Why General Liability Insurance Matters

Beyond protecting physical assets like buildings and equipment, it’s crucial to consider potential liabilities your business may face. If your business is held responsible for injuries or property damage, general liability insurance can help cover the associated costs.

What Does General Liability Insurance Cover?

This insurance typically includes:
✔ Bodily injury – Covers medical expenses if someone is injured due to your business operations.
✔ Property damage – Protects against claims for damages to third-party property.
✔ Advertising injury – Covers issues like copyright infringement and misleading advertising.
✔ Medical payments – Pays for immediate medical expenses, regardless of fault.

What’s Not Covered?

While general liability insurance provides broad protection, it usually does not cover:
❌ Data loss or cyber-related incidents
❌ Damage to your business’s reputation (e.g., defamation claims)
❌ Professional errors or inadequate advice (Consider Errors & Omissions Insurance for this coverage.)

Cost Considerations

The price of your policy depends on factors like:

• Your industry type
• Your business location
• The size of your operations and associated risks

When Do You Need General Liability Insurance?

This coverage is essential if your business:

• Interacts with clients in person (at your location or theirs)
• Handles customer property or equipment
• Needs to meet contract requirements from partners or vendors

Stay Protected with the Right Coverage

General liability insurance is a must-have for most businesses. It adapts to industry changes, ensuring continued protection. Contact us today to find the best coverage for your business needs.